Posted by Goose on March 24, 2013 at 12:06:14 from (70.198.3.7):
Those of ya'll who heat your houses with a wood burning stove, how does your homeowner's insurance company react?
When I do insurance inspections on houses, when I encounter a wood burning stove, I'm required to fill out a separate two page report on the stove and installation. Things the insurance companies want to know is the style of stove, manufacturer, type of construction, whether it's UL approved, installed to manufacturers recommendations, distance to surrounding walls, distance to the floor, are the surrounding walls and floor combustible, etc. Pretty thorough.
However, one client company just wants to know if a if a wood stove is present, yes or no.
I don't usually get feedback on my reports, I just report what I see at that point in time and let the underwriters do the rest, but I do know of at least two cases where homeowner's insurance was cancelled because a wood stove was not properly installed.
I got onto the subject of wood stoves with my own American Family agent a week or so ago, and she said American Family has a simple policy--they will not insure any structure that is heated with a wood burning device. Professionally installed fireplaces installed during the construction of the dwelling are OK, fireplace inserts or anything added since, no dice.
Just wondering what reaction some of ya'll get from your insurance companies.
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